Terms of Service

Last updated: April 1, 2026

Welcome to Cashluom. Cashluom provides free online financial calculators and articles. By using cashluom.com, you agree to these Terms of Service. If you do not agree with any of these terms, please do not use our website.

These terms apply to all users worldwide who access our site.

1. Description of Service

Cashluom offers free financial calculators and educational blog posts. We provide these tools as a free, public resource. Current tools include calculators for reverse tax, compound interest, salary, and salary-to-hourly conversions.

We reserve the right to modify, add, or discontinue any calculator or feature at any time without notice.

2. Not Financial, Tax, or Legal Advice — IMPORTANT DISCLAIMER

The tools, calculators, and articles on Cashluom are provided for educational and estimation purposes only. They are not legal, tax, or financial advice.

Our calculators use standard mathematical formulas and publicly published tax rates to provide estimates. They are useful for planning, comparing scenarios, and understanding how financial numbers work.

However, these estimates are not a substitute for certified professional advice. You should never make a major financial decision, file your taxes, or manage your investments based solely on what a calculator on this website tells you.

Always consult a qualified Certified Public Accountant (CPA), tax attorney, or certified financial planner before making financial decisions. Also, remember that tax laws change frequently and vary by location. The results shown here may not reflect the latest legislative updates in your exact jurisdiction.

3. Accuracy and Completeness

We try hard to make our calculators accurate, but we do not guarantee they are perfect. Tax rules and financial regulations are very complex and change depending on your state, city, filing status, and personal deductions.

Our tools provide simplified estimates. We are not responsible or liable for any errors, missing information, or financial decisions you make based on these estimates.

4. User Responsibilities

By using Cashluom, you agree to the following rules:

  • You agree to use this service for lawful purposes only.
  • You will not attempt to copy, scrape, or reverse engineer our calculator logic for your own commercial use.
  • You will not use bots or other methods to disrupt or overload our servers.
  • You will not send spam, abusive messages, or false information through our contact form.
  • You understand that our calculators provide estimates, and you will verify any important numbers with a professional.
  • You accept that this is a free service, and you agree to these limits on our liability.

5. Intellectual Property

The content on Cashluom—including the text, code, calculators, design, and blog posts—is owned by Cashluom and its founder, Udit Tiwari. It is protected by copyright law.

You are welcome to use the calculators for your personal work and share links to our pages. But you may not copy, scrape, republish, or sell our content without written permission. If you want to request permission to use our content, email hello@cashluom.com.

6. Third-Party Links and Advertising

We provide links to external websites (like the IRS or HMRC) for your convenience. We do not control those sites and are not responsible for what is on them.

Cashluom uses Google AdSense to show advertisements, which helps keep the site free. We do not specifically endorse the products or services shown in these ads.

7. Limitation of Liability

To the fullest extent allowed by law, Cashluom and its founder are not liable for any direct, indirect, incidental, or consequential damages caused by:

  • Your use of our website or calculators.
  • Any financial decisions you made based on calculator estimates.
  • Any errors, bugs, or outdated tax rates in our tools or articles.
  • Unauthorized access to your data.
  • The website being down or unavailable.

This limitation of liability applies even if we were told about the possibility of these damages.

8. Indemnification

You agree to protect and hold harmless Cashluom, its founder, and its team from any claims, legal fees, or damages that occur because you misused the service or violated these Terms.

9. Modifications to the Service and Terms

We can update, suspend, or stop providing the Cashluom service at any time without prior notice.

We may also update these Terms of Service. If we do, we will change the "Last updated" date at the top. By continuing to use Cashluom after we update the Terms, you are agreeing to the new rules.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of India. If you live in another country, your local consumer protection laws may also apply.

If you have a problem or dispute with Cashluom, you agree to first try to resolve it with us directly by emailing hello@cashluom.com. Any formal legal disputes that cannot be resolved informally will be handled by the courts in India.

11. Contact

If you have questions about these Terms of Service, please contact us: